Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Lake Havasu City, AZ metro
- 4.00%APY$400 a year on $10,000
Requirements
Product: Interest rate and APY may change after account opening. Interest is calculated using the daily balance method and paid quarterly.
Offer: Minimum balance to obtain APY is $0.01.
3.94% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.
Offer: Minimum balance to obtain APY is $0.01.
2.96% interest rate · Effective Oct 3, 2026
Rate checked
More details - Arizona Financial Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.20%–3.40% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000Requirements
Product: Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No monthly fee.
Offer: Minimum $25 to earn APY.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY $25 and up 0.20% $10,000 and upYour amountMinimum $10,000 to earn APY. 2.75% $25,000 and upMinimum $25,000 to earn APY. 2.80% $50,000 and upMinimum $50,000 to earn APY. 2.85% $100,000 and upMinimum $100,000 to earn APY. 2.90% $250,000 and upMinimum $250,000 to earn APY. 3.00% $500,000 and upMinimum $500,000 to earn APY. 3.10% $1,000,000 and upMinimum $1,000,000 to earn APY. 3.25% $2,000,000 and upMinimum $2,000,000 to earn APY. 3.40% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - Goldwater BankMONEY MARKET PLUS PERSONALMONEY MARKET PLUS PERSONAL · $1,000 min · 1.00%–1.10% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.
Offer: Tier: Daily Balance of up to $99,999.99; minimum balance to obtain APY is $0.01.
1.00% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for MONEY MARKET PLUS PERSONAL Balance APY Up to $100,000Your amount 1.00% $100,000 and up 1.10% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 3 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 3 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Mohave Community Federal Credit UnionMoney Market SaverMoney Market Saver · $500 min · 0.40%–0.60% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum opening balance stated as $1,000.00 on account overview page and $500 on rates schedule page. Monthly service charge of $12.00 applies if daily balance is below $1,000.00. Dividends calculated daily, paid quarterly. Rates may change after opening. Account offers dividend-bearing checking to individuals or businesses. Limited check writing/drafts with excess fee.
Offer: Monthly service charge of $12.00 applies if daily balance is below $1,000.00. Dividends calculated daily, paid quarterly. Rates may change after account is opened.
0.40% interest rate · $12 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Saver Balance APY Up to $1,000 0.40% $1,000 – $10,000 0.40% $10,000 – $25,000Your amountMonthly service charge of $12.00 waived with daily balance of $1,000.00 or more. 0.40% $25,000 – $50,000Monthly service charge of $12.00 waived with daily balance of $1,000.00 or more. 0.50% $50,000 – $76,000Monthly service charge of $12.00 waived with daily balance of $1,000.00 or more. 0.60% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 3 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - Arrowhead Credit UnionMoney MarketMoney Market · $2,500 min · 0.35%–1.10% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly fee of $10 is waived with an average daily balance of $2,500 or more.
Offer: Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+.
$10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.75% $250,000 – $500,000 1.00% $500,000 and up 1.10% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No minimum opening deposit required.
Offer: Minimum $25 to earn APY. No monthly service fee.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Lake Havasu City, AZ metro
35 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.28%
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Lake Havasu City, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Goldwater BankBank · 1 branch
- Mountain America Credit UnionCredit union · 1 branch